While no fault insurance is used in every province and territory, how it works will vary slightly. In Saskatchewan, for instance, while no-fault is the default, a driver can opt for tort insurance significantly reducing your insurance premium and your potential claim amounts. Quebec’s hybrid no fault system means you’ll deal with their public insurance for accident benefits, but a private insurer if your car is damaged.
Different provinces have different accident benefits payout amounts for medical, loss of income,or death benefits. If you aren’t happy with the amounts, you can sometimes sue for more, but with limits, and sometimes you can’t sue at all. With this in mind, we decided to give an overview of each province.
No fault insurance Ontario
Auto insurance in Ontario is provided by private insurers and uses a no-fault system. %p The minimum third party liability is $200,000, but it’s recommended you go to $1 or $2 million in coverage. Here’s why: If you’re at fault in a collision, your insurance company will use that money to pay for the damage done to someone else’s property under what’s called direct compensation property damage (DCPD) in provinces where it exists. It also uses that money to pay for accident benefits including loss of income, medical payments, death and funeral benefits. An accident victim in Ontario has the right to sue. They can sue for pain and suffering if the injured person dies or sustains permanent impairment of physical, mental, or psychological function. They can sue for extra costs for medical, rehab and other related costs if it meets the severity test. They can also sue for economic loss of 70% of net income loss before trial and 100% gross income after trial.
No fault insurance BC
Auto insurance in BC is run by the government. No Fault insurance with ICBC includes a minimum third party liability of $200,000, but it’s recommended to add more, closer to $1 or $2 million in coverage. Here’s why: If you’re at fault in an accident, your insurance company will use that money to compensate the other driver for their property and any injuries they sustained. Accident benefits to the injured driver can include medical payments up to $300,000 per person, funeral expenses of $2,5000, and death benefits up to $15,080 paid to the first survivor, and even more if there are children involved. If the injured person is unable to return to work, income replacement in BC is $740 per week. The injured person can also sue for pain and suffering and economic loss in excess of no-fault benefits. If you keep the minimum third party liability, and you’re in a crash, there could be dire financial consequences.
No fault insurance Alberta
Car insurance in Alberta is administered by private insurers. The mandatory minimum third-party liability is $200,000. Many Albertans will increase this minimum so they are better protected against possible financial consequences from an at-fault collision. In Alberta’s no fault system, your insurer will administer and pay the bills on your behalf, but only up to the amount for which you have coverage. The expenses from accident benefits could include up to $50,000 in medical payments, $5,000 in funeral expenses, and thousands more in death benefits for each survivor of the deceased. If the injured person lives, but can’t work, they will be compensated $400 per work for 2 years, or $41,600. An injured person can sue for pain and suffering up to $5,080 and sue even more for economic loss in excess of the no-fault benefits.
No fault insurance Manitoba
Manitoba auto insurance is administered by the government. The minimum third party liability is $200,000, but for many reasons, we recommend upping this total. Here’s why: There is no limit, time or financial, to the cost of medical payments including rehab, physiotherapy, acupuncture, or medical care, to name a few. The disability income benefit, wage replacement if the person can’t return to work is 90% of gross annual income, up to a maximum of $96,000 a year. Impairment benefits range from $156,269-$247,477 depending on the severity of the injury. If the person dies, the insurer pays out a maximum $8,544 in funeral expenses and a minimum of $62,693 to the surviving family.
No fault insurance Quebec
Quebec operates on a hybrid insurance system where its citizens work with the government insurance body for bodily injury, but property damage is handled through private insurers. Under the private auto insurance, Quebec sets their mandatory minimum third party liability at $50,000 for any one accident. They also have direct compensation property damage, or DCPD, which means if you’re not at fault your insurer pays to repair your car. But, if you are at fault, you’ll want collision coverage on your policy to pay for the repairs. Public insurance covers the accident benefits - medical payments for rehab including physiotherapy, funeral expenses, death benefits, disability income benefits, and impairment benefits. You cannot sue for any pain and suffering or extra economic loss.
No fault insurance New Brunswick
No fault insurance in NB is administered through private insurers. The mandatory minimum third-party liability is $200,000, but you can (and should) opt for more. New Brunswick auto insurance abides by DCPD rules meaning if you’re not at fault, your insurer will pay for repairs to your car. If you are, you’ll need collision coverage on your auto policy so your insurer will pay for the repairs. In terms of accident benefits, each person injured in an accident can receive $50,000 for medical payments and $250 a week for income replacement. If the collision results in death, there could be a $50,000 max payout, plus $1,000 to each surviving dependent. There is also $2,500 for funeral expenses. You can sue for economic loss in excess of these no-fault benefits. If your injury is “minor” you can sue for pain and suffering with a maximum away of $7,998.70.
No fault insurance Nova Scotia
Auto insurance in Nova Scotia is offered through a private system. They have a mandatory minimum third party liability of $500,000 for any one accident. They are also a province with DCPD, meaning that if you’re not at fault in an accident, your insurer will pay for the repairs on your car. If you are at fault, you’ll want to add collision on your insurance policy, so you’re not paying out of pocket. In terms of accident benefits, there is $50,000 for any injured person that must be used up within 4 years. If the injury is deemed minor, you can sue for a maximum award of $8,579. Income replacement is available at a maximum $250 per week, and you can sue for more. If death occurs, funeral expenses are covered up to $2,500 and $25,000 is awarded to the surviving spouse along with $1,000 per surviving child.
No fault insurance Prince Edward Island
In PEI, private insurers administer auto insurance to its citizens. The mandatory third-party liability is $200,000. PEI also has DCPD meaning that if you’re not at fault in an accident, your insurer will pay to repair your car. If you are at fault, prepare to pay for those repairs yourself, unless you have collision insurance added to your policy. Anyone injured in a crash can receive up to $50,000 in medical payments within 4 years and a maximum $250 per week for income replacement if you’re unable to work. You can sue for pain and suffering if your injury is deemed minor, up to a maximum of $7,681. You can also sue for more income replacement. Should death occur, the funeral expense benefits are $2,500 and $50,000 is paid to the surviving spouse, plus $1,000 to each dependent survivor.
No fault insurance Newfoundland
Newfoundland auto insurance is administered by private insurance companies. The minimum third party liability is $200,000. A lot of car insurance is optional in Newfoundland, but highly recommended. For instance, you can opt to buy medical payment coverage that pays $25,000 towards rehab, physio, and attendant care within 4 years after the accident. If you’re in an accident that prevents you from working, the optional disability income benefits that pays you $140 a week, could be a good purchase. You can always sue for pain and suffering (requiring a $2,500 deductible) and for more economic loss as required. If someone dies, and they paid for it, the survivors receive $1,000 to cover funeral expenses. The survivors could also receive $10,000 if the deceased was the head of the household and $1,000 to each surviving dependent.
No fault insurance Yukon
Private insurers administer the auto insurance for Yukon territory. Third party liability minimums are set at $200,000. Whoever is injured has $10,000 available to pay for rehab, physiotherapy, and other forms of medical care. If they can’t work, they may receive up to $300 per week in disability income benefits. They also maintain the right to sue for more - be it from pain and suffering or for economic loss in excess of the income benefits offered. If the person dies, there is $2,000 available for funeral expenses, and $10,000 to a surviving spouse, plus $2,000 for each dependent survivor.
No fault insurance NWT & Nunavut
Auto insurance in Northwest Territories and Nunavut is available from private insurers. The mandatory minimum for third-party liability is $200,000. $25,000 worth of medical payments (rehab, physio, etc.) is available to anyone injured in the accident. $140 per week is available in disability income benefits if the injured person cannot work. The injured person can sue for pain and suffering or more income loss if it’s not enough. Funeral expenses are covered up to $1,000 and the surviving head of the household can receive death benefits of $10,000, plus $1,500-$2,500 for the surviving dependents.